If you're thinking about buying a home sometime soon, you've got one big thing working in your favor: low interest rates. Mortgage rates are at a record low, making the price you pay for your home cheaper overall, GOBankingRates explains. They checked out average rates across the country and put together a list of best and worst states for home financing.

GOBankingRates explains how rates have changed in the past few decades:

According to Freddie Mac, average mortgage rates reached a high of 16.63% in 1981, eventually dipping to pre-recession rates of 6.41% in 2006. At that percentage, total interest paid over the life of a loan (at the current median home price of $215,000) would amount to $215,718, with monthly payments of $1,301. Compare that to the 2013 average of 3.98%: Total interest would be almost halved, at $122,902, and the monthly payments would be more than $250 cheaper.

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The site partnered with RateWatch and surveyed average mortgage rates across the country. They ranked the 10 most and least affordable states for taking out a home loan.

States with the lowest mortgage rates include Rhode Island, Connecticut, Nevada and Pennsylvania. Check out the average rates for each:

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Among the most expensive states for mortgage rates: Nebraska, South Dakota, Wyoming and Vermont.

Check out the full map, with rate ranges included. And click the link for detail for each state.